:root {
  --finance-navy: #0f172a;
  --finance-slate: #334155;
  --finance-muted: #64748b;
  --finance-gold: #d97706;
  --finance-cream: #f8fafc;
  --finance-border: #dbe4ee;
}

body.finance-site {
  background: linear-gradient(rgba(248, 250, 252, 0.95), rgba(248, 250, 252, 0.95)),
    url("../images/bg1.jpg") no-repeat top center fixed;
  background-size: cover;
  color: var(--finance-slate);
}

.site-shell {
  background: rgba(255, 255, 255, 0.96);
  box-shadow: 0 20px 70px rgba(15, 23, 42, 0.12);
  border-radius: 0 0 18px 18px;
  overflow: hidden;
}

.utility-bar {
  background: var(--finance-navy);
  color: #fff;
  font-size: 13px;
  letter-spacing: 0.02em;
  padding: 12px 0;
}

.utility-bar a,
.utility-bar span {
  color: #fff;
}

.header-brand {
  padding: 28px 0 20px;
  border-bottom: 1px solid var(--finance-border);
}

.brand-mark {
  display: inline-block;
  padding: 8px 14px;
  border-radius: 999px;
  background: rgba(217, 119, 6, 0.12);
  color: var(--finance-gold);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.brand-title {
  color: var(--finance-navy);
  font-size: 34px;
  margin: 12px 0 8px;
}

.brand-title a {
  color: var(--finance-navy);
}

.brand-copy {
  color: var(--finance-muted);
  margin: 0;
  max-width: 620px;
}

.main-nav {
  border-bottom: 1px solid var(--finance-border);
  background: #fff;
}

.main-nav ul {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin: 0;
  padding: 18px 0;
}

.main-nav a {
  color: var(--finance-navy);
  font-family: "Oswald", "Helvetica Neue", Helvetica, Arial, sans-serif;
  font-size: 15px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.hero-section {
  padding: 52px 0;
}

.hero-panel {
  background: linear-gradient(135deg, rgba(15, 23, 42, 0.97), rgba(30, 41, 59, 0.93));
  color: #fff;
  border-radius: 22px;
  padding: 44px;
  position: relative;
  overflow: hidden;
}

.hero-panel:after {
  content: "";
  width: 240px;
  height: 240px;
  border-radius: 50%;
  background: rgba(217, 119, 6, 0.18);
  position: absolute;
  right: -70px;
  top: -70px;
}

.eyebrow {
  display: inline-block;
  margin-bottom: 18px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #fbbf24;
}

.hero-title,
.section-title,
.page-title,
.article-title {
  color: var(--finance-navy);
}

.hero-panel .hero-title {
  color: #fff;
  font-size: 46px;
  line-height: 1.1;
  margin: 0 0 16px;
}

.hero-copy {
  color: rgba(255, 255, 255, 0.84);
  font-size: 17px;
  margin-bottom: 26px;
  max-width: 640px;
}

.hero-actions,
.inline-links {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.btn-finance {
  display: inline-block;
  padding: 12px 22px;
  border-radius: 999px;
  font-weight: 700;
  letter-spacing: 0.03em;
}

.btn-finance.primary {
  background: var(--finance-gold);
  color: #fff;
}

.btn-finance.secondary {
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.18);
}

.ad-slot {
  border: 2px dashed rgba(217, 119, 6, 0.5);
  background: #fffaf1;
  border-radius: 18px;
  padding: 18px 20px;
  color: var(--finance-muted);
  font-size: 14px;
  margin: 18px 0;
}

.ad-slot strong {
  display: block;
  color: var(--finance-navy);
  margin-bottom: 6px;
}

.ad-embed {
  margin: 18px 0;
  padding: 18px 20px;
  border: 1px solid var(--finance-border);
  border-radius: 18px;
  background: #fff;
  text-align: center;
}

.ad-embed-label {
  display: block;
  margin-bottom: 12px;
  color: var(--finance-muted);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.ad-embed-frame {
  width: 100%;
  margin: 0 auto;
}

.ad-embed-frame iframe {
  display: block;
  width: 100%;
  max-width: 600px;
  height: auto;
  aspect-ratio: 2 / 1;
  border: 0;
  margin: 0 auto;
  background: transparent;
}

.ad-embed.size-xl .ad-embed-frame {
  max-width: 600px;
}

.ad-embed.size-lg .ad-embed-frame {
  max-width: 520px;
}

.ad-embed.size-md .ad-embed-frame {
  max-width: 460px;
}

.ad-embed.size-sm .ad-embed-frame {
  max-width: 400px;
}

.ad-embed.size-card .ad-embed-frame {
  max-width: 336px;
}

.ad-embed.size-compact .ad-embed-frame {
  max-width: 300px;
}

.signal-strip,
.topic-grid,
.content-grid,
.policy-grid {
  display: grid;
  gap: 22px;
}

.signal-strip {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 28px;
}

.topic-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.content-grid,
.policy-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.article-list-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.signal-card,
.content-card,
.topic-card,
.policy-card,
.sidebar-card,
.contact-card {
  background: #fff;
  border: 1px solid var(--finance-border);
  border-radius: 18px;
  padding: 24px;
}

.signal-card strong,
.content-card h3,
.topic-card h3,
.policy-card h3,
.sidebar-card h3,
.contact-card h3 {
  color: var(--finance-navy);
}

.content-section,
.page-section {
  padding: 18px 0 48px;
}

.section-heading {
  margin-bottom: 26px;
}

.section-label {
  color: var(--finance-gold);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.section-title,
.page-title,
.article-title {
  font-size: 34px;
  margin: 8px 0 10px;
}

.section-copy,
.page-intro,
.article-intro {
  color: var(--finance-muted);
  font-size: 16px;
  max-width: 760px;
}

.topic-card p,
.content-card p,
.policy-card p,
.sidebar-card p,
.contact-card p,
.article-meta,
.list-clean li {
  color: var(--finance-muted);
}

.list-clean {
  margin-top: 16px;
}

.list-clean li {
  position: relative;
  padding-left: 18px;
  margin-bottom: 10px;
}

.list-clean li:before {
  content: "";
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--finance-gold);
  position: absolute;
  left: 0;
  top: 8px;
}

.content-card .meta,
.article-meta {
  display: block;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--finance-gold);
  margin-bottom: 10px;
}

.split-layout {
  display: grid;
  grid-template-columns: minmax(0, 2fr) minmax(280px, 1fr);
  gap: 28px;
}

.article-cover {
  width: 100%;
  border-radius: 20px;
  margin: 18px 0 24px;
}

.article-body h2 {
  color: var(--finance-navy);
  font-size: 28px;
  margin-top: 28px;
}

.article-body p {
  color: var(--finance-slate);
  font-size: 16px;
  line-height: 1.8;
}

.quote-box {
  border-left: 4px solid var(--finance-gold);
  background: #fffaf1;
  border-radius: 0 14px 14px 0;
  padding: 22px 24px;
  margin: 24px 0;
}

.highlight-band {
  background: var(--finance-cream);
  border-top: 1px solid var(--finance-border);
  border-bottom: 1px solid var(--finance-border);
  padding: 40px 0;
}

.footer-wrap {
  background: var(--finance-navy);
  color: rgba(255, 255, 255, 0.78);
  padding: 42px 0 24px;
  margin-top: 24px;
}

.footer-wrap h4,
.footer-wrap h5 {
  color: #fff;
}

.footer-wrap a {
  color: rgba(255, 255, 255, 0.86);
}

.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  margin-top: 24px;
  padding-top: 18px;
  font-size: 13px;
}

.page-hero {
  padding: 44px 0 24px;
}

.page-panel {
  background: linear-gradient(145deg, #fff, #f8fafc);
  border: 1px solid var(--finance-border);
  border-radius: 20px;
  padding: 34px;
}

.breadcrumb-lite {
  color: var(--finance-muted);
  text-transform: uppercase;
  font-size: 12px;
  letter-spacing: 0.1em;
}

.contact-note,
.disclaimer-box {
  border: 1px solid rgba(217, 119, 6, 0.26);
  background: #fffaf1;
  border-radius: 16px;
  padding: 20px;
}

.author-box {
  border-top: 1px solid var(--finance-border);
  margin-top: 28px;
  padding-top: 20px;
}

.update-note {
  color: var(--finance-muted);
  font-size: 14px;
  margin-top: 12px;
}

.source-box {
  margin-top: 28px;
  border-top: 1px solid var(--finance-border);
  padding-top: 20px;
}

.source-box h3 {
  color: var(--finance-navy);
}

.source-box ul {
  margin-top: 12px;
}

.table-lite {
  width: 100%;
  border-collapse: collapse;
  margin-top: 18px;
}

.table-lite th,
.table-lite td {
  border-bottom: 1px solid var(--finance-border);
  padding: 14px 12px;
  text-align: left;
}

.table-lite th {
  color: var(--finance-navy);
}

@media (max-width: 991px) {
  .signal-strip,
  .topic-grid,
  .content-grid,
  .policy-grid,
  .split-layout,
  .article-list-grid {
    grid-template-columns: 1fr;
  }

  .hero-panel {
    padding: 34px 26px;
  }

  .hero-panel .hero-title {
    font-size: 34px;
  }

  .main-nav ul {
    gap: 14px;
  }
}